by Russell Noga | Updated August 21st, 2023
Retirees in Arkansas need a Medigap Medicare supplement plan to help them manage their out-of-pocket medical and hospital expenses not covered by Original Medicare Parts A & B.
The cost of a Medigap plan in Arkansas will vary based on different factors such as your zip code, your gender, any pre-existing health conditions, and more.
For Arkansas, our research suggests you get the most comprehensive coverage with plans F and G. The prices of each plan vary depending on your specific healthcare needs and what the provider offers based on your location.
This article examines the best insurers and rates for Medigap Plans F, G, & N, the most popular policies in the range.
Use Us to Find the Best Medicare Supplement Plans in Arkansas
If you want a free consultation and quote on any Medigap plan in Arkansas for 2024, call us at 1-888-891-0229.
Our fully licensed agents will get you the best rates on your preferred plan in The Natural State.
Or leave us your details on our contact form, and we’ll have a Medigap expert call you back. Alternatively, you can use the automated quoting tool on our site to get a free quote on any Medigap plan.
The Best Healthcare Insurers for Medicare Supplement Plans Arkansas
Top-rated healthcare insurers offer Medigap plans in Arkansas.
Every insurer charges different rates on their monthly premiums for these plans, and the following companies provide you the best deal on your Medigap policy.
- UnitedHealthcare
- Aetna
- Liberty Bankers
- Cigna
- Blue Cross Blue Shield of Arkansas
- Atlantic Coast Life
- Bankers Fidelity
- Colonial Penn
UnitedHealthcare is the lowest cost provider in Arkansas for Plan G, and Aetna offers you the best rates on Plans F & N.
- Best Plan G – UnitedHealthcare
- Best Plan F – Aetna
- Best Plan N – Aetna
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The Average Cost for Medicare Supplement Plan G Arkansas
Here are the average monthly premiums for Plan G from the top-rated providers in Arkansas.
- Humana: $169
- Aetna: $170
- Cigna: $184
*Rates vary by insurance company, zip code, gender, tobacco use, age, and if any household discounts are applied.
What Does Plan G Cover?
Plan G is the best option if you’re eligible for Medicare after January 1, 2020. It only doesn’t cover the Part B deductible of $226 in 2023.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan F Arkansas – Aetna
27 insurers offer Plan F in Arkansas, with the monthly average premium being $193.80 across all providers.
Aetna offers the cheapest average monthly premiums at $144 per month, and Cigna is the most expensive at $293.10. You save $149.10 monthly going with Aetna.
Aetna also has a SELECT version of Plan F to lower your premiums, but you have network restrictions on the medical providers and hospitals you can use with this plan.
Here are the average rates with the best providers for a 65-year-old nonsmoking woman.
- Aetna: $144
- UnitedHealthcare: $240.25
- Cigna:$293.10
What Does Plan F Cover?
You’re the highest level of coverage with Plan F, but it’s only available to seniors eligible for Medicare before January 1, 2020.
Plans F & C are the only policies covering you for the Part B deductible, which is why they were so popular.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan N Arkansas – Aetna
26 insurers offer Plan N in Arkansas, averaging $161 per month.
Aetna has the lowest premiums for Plan N at $112.40, and Humana is the most expensive provider with monthly average premiums of $195.20. You can save $82.80 monthly by choosing Aetna over Humana for your Plan N policy.
Here are the average rates from the leading providers of Plan N in Arkansas for a 65-year-old nonsmoking woman.
- Aetna: $112
- UnitedHealthcare: $147
- Cigna: $170
- Humana: $195
What Does Plan N Cover?
You get lower premiums with Plan N because you make a $50 copayment at the emergency room if the doctor doesn’t admit you to the hospital. You’ll also have a $20 copayment when seeing the doctor.
However, healthy seniors might find this trade-off worth it to get the lower premiums if they don’t visit the doctor or emergency room much during the year.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
80% of foreign travel exchange (up to plan limits). Plan N doesn’t cover Part B excess charges incurred from visiting doctors charging more than the Medicare-approved rate. It also doesn’t cover the Part B deductible.
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What Do Plans F, G, & N Not Cover?
The standardized benefits in all Medigap plans exclude vision, hearing, and dental services.
However, some providers offer these services at discounted rates with their partners or charge an additional fee to include them in your coverage.
No Medigap plan offers coverage for private duty nursing, stays at long-term nursing facilities, or the costs of your prescriptions. You also don’t have coverage for preventative treatments like acupuncture and physiotherapy.
What are the Best Alternate Medicare Supplement Plans in Arkansas?
Regarding the other Medigap plans, you don’t get the same level of coverage as you do with Plans G, F, & N. However, you pay lower monthly premiums. There’s a choice for anyone on a budget.
UnitedHealthcare is the lowest cost provider of Plans A, C, K, & L. Aetna has the best premiums for Plan B.
Here are the average premiums for these plans for a 65-year-old female nonsmoker in Arkansas.
- Plan A – UnitedHealthcare: $143.25
- Plan B – Aetna: $181.04
- Plan C – UnitedHealthcare: $239.00
- Plan K – UnitedHealthcare: $74.50
- Plan L – UnitedHealthcare: $131.75
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Frequently Asked Questions
What are the top Medicare Supplement plans available in Arkansas for 2024?
The top Medicare Supplement plans available in Arkansas for 2024 include Plan F, Plan G, and Plan N.
What benefits does Plan F offer as a Medicare Supplement plan in Arkansas?
Plan F provides extensive coverage, including coverage for Medicare Part A and B deductibles, coinsurance, and copayments, as well as excess charges.
How does Plan G compare to Plan F as a Medicare Supplement plan in Arkansas?
Plan G offers similar coverage to Plan F, but it does not cover the Medicare Part B deductible. However, it often has lower premiums compared to Plan F.
What benefits does Plan N provide as a Medicare Supplement plan in Arkansas?
Plan N covers Medicare Part A coinsurance and hospital costs, but it requires a copayment for doctor’s visits and emergency room visits.
Are there any specific Medicare Supplement plans in Arkansas that offer coverage for prescription drugs?
No, Medicare Supplement plans do not cover prescription drugs. To get prescription drug coverage, you would need to enroll in a separate Medicare Part D plan.
How can I determine which Medicare Supplement plan is best for me in Arkansas?
Choosing the best Medicare Supplement plan in Arkansas depends on your specific healthcare needs and budget. It’s recommended to compare the coverage and costs of different plans to find the one that suits you best.
Can I change my Medicare Supplement plan in Arkansas after enrolling in one?
Yes, you can switch Medicare Supplement plans in Arkansas, but you may be subject to medical underwriting, which means you could be denied coverage or charged a higher premium based on your health condition.
Are there any discounts or savings available for Medicare Supplement plans in Arkansas?
Medicare Supplement plans do not typically offer direct discounts or savings. However, you can compare prices from different insurance companies to find a plan that fits your budget.
Are pre-existing conditions covered by Medicare Supplement plans in Arkansas?
Yes, Medicare Supplement plans in Arkansas generally cover pre-existing conditions, but it’s important to enroll during your open enrollment period to avoid medical underwriting.
Can I use my Medicare Supplement plan outside of Arkansas?
Yes, most Medicare Supplement plans provide nationwide coverage, allowing you to use your plan anywhere in the United States, as long as the healthcare provider accepts Medicare.
